retirement

7 real retirement worries to focus on

Should I get out of the market?
Should I get out of the market? © chatchaiyo/Shutterstock.com

What you're worried about: The winner of the last or next election might affect your retirement accounts.

What you should be concerned about instead: Invest regularly by dollar-cost averaging regardless of external events over which you have no control. As you get older, you can dial down risk by balancing your investments.

"I had several clients pull out of the stock market because of who won the presidential election," Di Vincenzo says. "Those clients have hurt themselves because the markets have had a good run. You need to avoid emotional investments."

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